HABIB BANK LIMITED

INTRODUCTION:
On 25th of August 1941, Habib Bank inaugurated its operations with
the bank’s first branch in Bombay. In 1947 Karachi saw its first
commercial bank of the newly formed Islamic Republic of Pakistan,
when the bank shifted its head office there.

It was HBL that introduced products such as Credit Cards, ATMs,

Travelers Cheques, etc., to the Pakistani market. We at Habib Bank
cater to the needs of millions with our quality products & services.

Today, Habib Bank is truly the bank of the people, providing its
customers convenience and satisfaction all over the world. Today,
HBL has more than 1,700 branches all over Pakistan and presence in
26 countries across five continents. With a revamped customer
oriented philosophy, we are pursuing new avenues of leadership
through innovation, as we gear up to face the challenges of the new
millennium

Values:
HBL is firmly grounded with a corporate philosophy that incorporates
five solid values which each individual associated with the bank
abides by.
• Humility
We encourage a culture of mutual respect and treat both our
team members and customers with humility and care.
• Integrity
For us, integrity means a synergic approach towards abiding
our core values. United with the force of shared values and
integrity, we form a network of a well-integrated team.
• Meritocracy
At every level, from selection to advancement, we have
designed a consistent system of human resource practices,
based on objective criteria throughout all the layers of the
organization. We are, therefore, able to achieve a specific level
of performance at every layer of the organization.
• Teamwork
our team strives to become a cohesive and unified force, to
offer you, the customer, a level of service beyond your
expectations. This force is derived from participative and
collective endeavors, a common set of goals and a spirit to
share the glory and the strength to face failures together.

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 • Culture of innovation
we aim to be proactively responsive to new ideas, and to
respect and reward the agents, leaders and creators of change

BUSINESS GROUPS

• Commercial banking
• Corporate investment and banking group
• Global treasury group
• International and overseas banking group
• Retail banking group

SUPPORT GROUPS
• Asset remedial management group
• Audit and investigation group
• Credit policy group
• Human resource group

COMMERCIAL BANKING

Introduction

Enterprises operating in the middle market contribute significantly to

the economy of a country. Traditionally, this sector was the
stronghold of HBL’s business. During the early 90s, with the
liberalization of the financial sector in Pakistan, competition in the
industry stiffened due to the emergence of new banks in the private
sector. The senior management at most of these banks comprised
personnel from HBL. They not only knew the market but were also
familiar with the shortcomings of HBL. Under the new set-up, they
were able to address these shortcomings and began to target HBL’s
customer base. With the inception of an alternative, HBL customers
started migrating to the newly established banks this causing the
erosion of HBL’s market share.
During FY-2000 HBL’s management decided to address this issue.
Hence forth, Commercial Banking was created to focus on the
business needs of the middle market customers. On November 1,
2000 Commercial Banking came into being, it is headed by Mirza
Saleem Baig. At the time of inception twenty-one HBL branches were
converted into Commercial Centers and Sub-Centers. They are
located in Karachi, Lahore, Sialkot, and Faisalabad. Subsequently six

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more branches have been added to Commercial Banking bringing the
total to 27.

Objectives

Objective of setting-up Commercial Banking was two-fold:

• First to stop the erosion of market share in the middle market;
• Second, to regain the lost market share

The strategy adopted to achieve the above objective was to position

Commercial Banking segment as the “Trade Finance Bank” for its
customers. The rationale behind this strategic decision was to
capitalize on the existing marketing knowledge & strong contacts
with the middle market customers, who were loyal to the HBL brand.

The product line of Commercial banking includes:

FUND BASED FACILITIES

• Running Finance for Working Capital requirements (RF)

• Finance Against Packing Credit for Pre-shipment (FAPC)
• Finance Against Foreign Bills for Post-shipment (FAFB)
• Finance Against Imported Merchandise (FIM)
• Finance Against Trust Receipt (FATR)
• Demand Finance: Medium Term Loans (DF)
• ON-FUND BASED FACILITIES
• Letter of Credit (LC)
o DA ( Usance)
o DP ( Sight)
• Letter of Guarantee (LG)

Successful achievement of the strategy entailed addressing the

following key issues:

• Developing a sales culture so that business was aggressively

sought
• Improvement of Counter Service
• Reducing the turnaround time on credit decisions
• Training of staff to enhance credit and sales skills

Following initiatives were taken to address the above issues:

Functionalization of branches into two key areas:

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Marketing and Operations

Implementation of a standard organization at Centers & sub-centers

where by there were two key areas within operations:

• Trade
• Counter Service i.e. Cash & Remittances
• De-layering of the Credit processing to ensure quick
turnaround on credit decisions
• Setting up of Relationship Management teams at all
Commercial Banking Centers to focus on procurement of
business
• Setting-up of Credit Administration Departments at all Centers
for improved Risk Management
• Training of staff in following key areas:
o Credit
o Trade Services
o Computer literacy

Setting up of Asset Remedial management units at Lahore and

Karachi to focus on management of classified accounts.

Impact of the steps

The decision to setup Commercial Banking has been fruitful. This is

evident from the following results:
Enhanced customer interaction by the branch management has now
become possible after segregation of marketing and operations at
the branch level.
Decentralization of Credit Authority and streamlining of the processes
have resulted in reduced turn around time. Currently decision making
in this area is perhaps most efficient in the market place.
Our strategy has allowed us to achieve our first objective; the trend
of erosion in our market share has been reversed. We now would be
looking at regaining our market share.

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 CORPORATE BANKING

Only local bank with special focus on Corporate Banking with a

presence in all major locations through out the country, offering full
range of Banking products / services and one window interface
through designated Relationship Managers. Our large equity base
allows us to take longer per party exposures to meet the needs of
the largest corporate & our extensive local & foreign network allows
us to imperiously service our clients. Corporate manages well
diversified portfolio, and include most of the top tier names of the
market. Corporate Banking offers tailor made products / solutions as
required by corporate customers which includes:

• Funded facilities, ranging from short to medium and long

term lending.
• Trade related financing.
• Foreign currency financing.
• All sorts of non-funded facilities / services which include
Cash receipts / payments, Remittances, Collections,
guarantees, letter of credit etc..
• Customized products / solutions.

INVESTMENT BANKING

Habib Bank Limited (HBL) has positioned itself to be a leader across

all investment-banking products from mergers and Acquisitions and
strategic advice to Equity Capital Markets, Debt Capital Markets,
Private Placements and Leveraged Finance.

HBL’s Investment Banking capabilities are designed to leverage its

large capital base, product expertise and human capital to help its
clients in meeting their strategic and operational objectives. With 55
offices in 26 countries around the world plus a local branch network
exceeding 1425 offices, HBL Investment Banking Division is well
positioned to service even the most sophisticated Investment
Banking client.

HBL’s Investment Banking team is equipped to work on the following

types of transactions on a domestic or cross-border basis:
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 • Mergers, Acquisitions, Divestitures, Spin-offs, Equity Carve-
Outs, Leveraged Buyouts, Strategic Alliances, Joint Ventures
and Privatization.
• Private Equity, Merchant Banking, Venture Capital and
Financial Sponsors.
• Initial Public Offerings, Secondary Offerings and Equity
Private Placements.
• Domestic Bonds, Euro Bonds, Loan Syndications (> one
year), Medium Term Notes (TFCs), High Yield, term Loans
and Debt Private Placements.
• Structured Products, Project Finance, Asset Backed
Securities and Lease Finance.
• Asset Management Companies and Funds

RETAIL BANKING

• Habib bank auto finance

• Habib bank flexi loans
• Current account
• profit and loss sharing
• payment of utility bills
• i card
• life styles
• house finance
• master card
• lockers
• hajj/umra services

• Habib Bank Auto Finance – Your Car, Your Terms

Habib Bank Auto Finance, offers the customer, an expedient and

economical way of fulfilling his requirement of owning the car of his
choice on his terms. This lease product has been designed to provide
the consumer flexibility in terms of choice of car and tenure. Options
of affordable down payments, convenient repayment arrangements
in the form of monthly rental payments, which are tailored to the
expected cash flows of the customer are some of the host of value
added features, this product offers its customers.

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Salient Features of HBL Auto Finance:

• Low Mark-ups leading to affordable monthly rentals.

• Available throughout Pakistan
• Tenures ranging from 36 to 60 months
• Low Processing Charges
• Deferred Payment Option
• Financing of amounts up to Rs. 1.5 million
• Insurance premium rates as low as 3%
• Worldwide personal accidental insurance coverage for the
entire family of the lessee of up to Rs. 200,000/-
• Car choices of up to 1600 cc (New cars only)

• Habib Bank FlexiLoans – Cash When You Need It

Habib Bank FlexiLoans is a personal loan product, which is available

for salaried individuals for a variety of reasons. Whether it is for a
child’s education, a much needed vacation, a daughter’s wedding or
even just a shopping spree, HBL FlexiLoans is a flexible financing
scheme which can actually provide the much needed cash to fulfill all
such requirements.

Salient Features of HBL FlexiLoans:

• Low Mark-ups leading to affordable monthly installments.

Mark-up slabs vary for various categories of salaried
individuals
• Financing from Rs. 10,000 to Rs. 500,000/-
• Available throughout Pakistan from over 400 designated
Habib Bank branches
• Tenures ranging from 12 to 60 months
• Low Processing Charges
• Full Credit Life Insurance

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 • Current account

Deposit Slab

Indicative Rate 01.01.2001 to

30.06.2001
Minimum Balance no
NIL
condition

Eligibility

• All Pakistani’s Resident/Non-Resident, Individuals

(Single-Jointly) Companies/Firms etc. can open and
operate the Account.
• Any Foreign National Individuals (Single-Jointly)
having valid Resident Pakistan VISA/Work Permit can
open and operate the Account.

Requirements for Opening of Account

• Duly filled prescribed A/C opening FORM.

• Attested photocopy of N.I.C./Passport of Account
Holder(s), Proprietor, Partners, Directors and office
Bearers as the case may be.
• Certified true copy of the certificate of incorporation or
registration (in case of limited companies & registered
bodies only).
• Certified true copy of the certificate of commencement of
business (in case of public limited companies only).
• Certified true copy of the memorandum and articles of
association (in case of limited companies).
• Certified true copy of rules and regulations or By-Laws
(in case of association etc.).
• Certified true copy of the resolution of the Board of
Directors/Managing Committee/Governing Body
regarding conduct of the account.
• List containing names and signatures of the
Directors/Office Bearers duly certified by
CLA/Registration Authority.

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 • Letter of partnership or certified copy of partnership deed
(in case of partnership).

Features

• Account can be OPENED with Minimum Balance Rs.1000/-

with no maximum limit.
• CHECKING ACCOUNT
• No profit is paid.
• SERVICE CHARGES Rs.180/- if average balance is less than
Rs.5, 000/- during half year.
• Statement of Account dispatched on quarterly basis or as
requested.
• There is no restriction for withdrawals of amount and
number of Cheques.

• Master Card:

Habib Bank MasterCard opens a world of convenience for you. Be it

hopping or traveling or medical expense, HBL MasterCard sets you
free from hassles of carrying cash.
Facilities

• Worldwide acceptability
• Up to 30% of your spending limit as cash advance
• Travel accident insurance coverage worth Rs. 2.5
million
• Photo feature to help avoid misuse

• Habib Bank iCard – intelligent banking on the

move

Habib Bank iCard provides you the facilities of both an ATM card as
well as a debit card. It is an electronic wallet equipped with the
following features:

Automated Teller Machines (ATMs)

Habib Bank iCard can be used not only at Habib Bank ATMs but also
on more than 225 ATMs of twelve banks connected to 1 Link
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network, the largest ATM network of Pakistan. Through the ATM’s,
customers have access to various services such as cash withdrawal,
balance enquiry and mini statement. Soon funds transfer and utility
bills payment facilities will also be available on Habib Bank iCard.

Debit Card facility at merchant locations:

Habib Bank iCard can also be used as a debit card at over a thousand
merchant locations across the country including fuel stations,
departmental stores, restaurants, travel agents, grocery stores etc.
to make easy, convenient and secure payments. Using Habib Bank
iCard as your debit card is very simple. The merchant swipes the
card on the POS (Point of Sale) terminal and enters the sale amount.
The customer selects the account type (savings/current) on the POS
terminal and enters his/her Personal Identification Number (PIN).
This purchase amount is then directly debited from the customer’s
HBL account.

Debit card facility has been linked to Habib Bank iCard (Auto Cash
Card) for a free period till 31st December 2003. During this free
period you can enjoy the debit card facility on Habib Bank iCard
without applying for it and any debit card transaction made on Habib
Bank iCard during this free period will confirm the customer’s
acceptance of this facility.

The debit card facility on Habib Bank iCard provides the following
benefits:

• No restriction on the number of daily transactions.

Customers can make purchases up to Rs 100,000 per day.
• Free of charge transactions. Only a standard service charge
of 2.5% is applicable on fuel transactions.
• No interest and zero liability.
• Quick, easy and convenient payment option. No hassle of
keeping a lot of money in the wallet or counting notes for
making payments.
• Safer than carrying cash
• Free of cost monthly statements including detailed record of
POS transactions with merchant name to track expenses.
• Transaction slip generated through the machine will be
provided by the merchant as a record of your payment.
• EBank customers can also track/view transactions online
through internet.

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 • Habib Bank Lifestyles – All You Ever Wanted Now
Easily Within Your Reach

Habib Bank’s Lifestyles Financing Scheme provides financing for

household appliances and consumer electronics on easy terms and
flexible tenures. The product aims to bring comfort into each
domestic unit by providing financing for essential domestic items, the
purchase of which may be postponed by households due to paucity of
funds. The bank aims to provide speedy financing so that families do
not defer purchase of such essentials, and all such items are
effortlessly accessible as and when required.

Salient Features of HBL Lifestyles:

• Loans for salaried / self employed individuals or

professionals
• Low mark-ups leading to affordable monthly installments.
• Financing from Rs. 10,000 to Rs. 500,000/-
• Available throughout Pakistan from over 330 designated
Habib Bank branches
• Fixed tenures of 12, 18, 24 and 36 months
• Low Processing Charges
• Full Credit Life Insurance

Current Business Partners:

• Samsung Audio Visuals

• Samsung Home Appliances
• Dawlance
• LG
• Philips
• Singer

• Habib Bank House Finance – For a Home of Your Own

Habib Bank brings to you the most affordable and convenient scheme
to finance your own house. Habib Bank – House Finance, a demand /
running finance facility to assist you in turning your vision into a
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reality. With adaptable options, varying amounts and flexible tenures
you can start shifting to, building or renovating your own house in a
matter of weeks!

The Habib Bank – House Finance Scheme is an installment loan

facility, secured by properties in residential areas. The scheme gives
multiple options in the types of related financing one can avail.
Through this product one can:

• Purchase one’s own House – These are loans for the

purchase of residential property for the purpose of self-
occupation by the borrower in approved and developed
areas.
• Renovate one’s own House – These loans are against
owner occupied residential property for home improvement
and renovation.
• Self Construct one’s own House – Financing for the
construction of residential property within approved
cities/areas, in approved and developed schemes – on
already owned residential plots.

This scheme also offers a running finance facility, secured by an

owned house in a residential area for:

• House Re-Finance – This is a multi-purpose facility that

can be availed by you as running finance to invest in your
business or for personal purposes.

Salient Features of HBL House Finance:

• The loan can be paid back in financing tenures ranging from 3

to 20 years.
• The repayment of the loan is in equal monthly installments and
is through direct debit authority or post-dated Cheques.
• Per party limit for all options, other than Home Improvement
are at a maximum of Rs.7.5 million. Home Improvement limits
range from Rs. 5 lacs to Rs.3 million
• Minimal Processing Charges

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 • Habib Bank Debit Card

In addition to providing access to 1-Link - the largest ATM network in

the country - now Habib Bank Auto Cash can also be used as a Debit
Card at over a thousand merchants across the country to make easy,
convenient and secure payments. Now you don’t have to carry cash
for your purchases.

The Debit Card facility would provide the following unmatched

benefits:

Convenience
Making purchases and payments is quick, easy and convenient - just
swipe card through the Point of Sale (POS) terminal, entering the
Personal Identification Number (PIN) and go!

Acceptability
Habib Bank Debit card is accepted at over a thousand merchant
locations including fuel stations, departmental stores, restaurants,
travel agents, grocery stores etc. thus save from frequently visiting
bank or ATM for withdrawing money.

Security
It is safer than carrying cash as secret PIN code is used to authorize
payment, which is known to person only.

Ease of Payment

It does not require keeping large sums of money on hand or the

hassles of counting notes for making payment.

Free of charge transactions

Debit Card transactions are absolutely free of charge. A standard

service charge of 2.5% is applicable only on fuel transactions.

Complete control

It keeps in complete control of the expenses as the transaction is

authorized by directly debiting account and thus helps in sound and
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prudent financial management as anyone can spend whatever the
amount he/she have in your accounts.

Free of cost monthly statement

All Debit Cardholders will be issued a free of cost monthly statement

including detailed record of POS transactions with merchant name to
help track expenses.

View Transactions Online

Our Ebank customers can also track / view their Debit Card
transactions online through the internet.

TREASURY

FX DESK:
Habib Bank prides itself on being the bank of first choice for
exporters wanting to encash their export proceeds. We offer the best
rates in the market, and cut down our own spread in order to offer
competitive rates for imports also. Our Treasury Marketing Unit is
ready to quote very competitive rates for the following products:

• Spot and Forward FX Cover for Import & Export (all major
currencies)
• Forward Bill Discounting (negotiating rates)
• Sale & Purchase of Government Treasury Bills and Pakistan
Investment Bonds.

Dealing Strengths

• Our experienced dealers combined with the large FX flows

accumulated in our 200 FX dealing branches gives us an
edge over other banks.
• We are the largest treasury in Pakistan in terms of $/PKR
volume.
• We are the lead providers of foreign exchange in Pakistan.

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Money market desk

Backed up by one of the largest Balance Sheets in the country, our

Money Market Desk transacts almost 20% of the daily volume in the
Inter-Bank Money Market on average.

Primary Dealership

• Habib Bank Limited enjoys primary dealership status with

six other banks. Only primary dealers are authorized to
participate in Government Paper Auctions (both short and
long term). These papers are subsequently traded in inter-
bank market and could be sold directly to customers.
• We play a key role in market making of Pakistan Investment
Bonds, T-Bills & FIBs.

HUMAN RESOURCES

HBL is an organization that provides opportunities for its staff to

have a challenging and rewarding long-term career. To this end
the Human Resources Group (HRG) encourages and motivates its
employees to excel in the responsibility they have in the
organization. We believe that creativity and innovation comes from
talent, knowledge and experience and it is our endeavor to provide
and maintain an environment which not only nourishes these
strengths but also provides opportunities for the staff to have a
career which has multidimensional growth opportunities.

In doing so, HRG has been restructuring and redesigning the

overall structure of the organization, which includes rationalization,
cutting down the decision layers, improvement in staff training,
and hiring of professionals and MBAs at entry level management.

The overall direction of HRG has been towards nurturing the

strengths of the human capital to its maximum with a defining
principal to help create a progressive environment and sustain a
thorough commitment of our staff towards focused customer
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service.

HRG therefore recognizes the need to proactively invest in staff

training and development courses on a regular basis. Our
Management Development Institute (MDI) is a unit, which
regularly conducts technical and personal development courses for
our staff enabling them to meet the challenges of the ever-
changing business requirements, and customer needs. During
2002, 199 courses and seminars on diverse subjects were
conducted for all levels of responsibilities of the Bank.

HR group aims to maintain and further improve the service-

oriented culture and to make employment at HBL not only
satisfying but enjoyable

BRANCH NETWORK

Domestic Network:

Branches of bank are located in different cities of Pakistan which are:

• Karachi
• Lahore
• Rawalpindi
• Islamabad
• Faisalabad
• Peshawar
• Sialkot
• Multan
• Gujranwala
• Quetta
• Bahawalpur
• Mirpur (AK)Sukkur
• Hyderabad
• Jamshoro
• Sahiwal
• Sargodha
• Jhelum
• Mardan
• Gujrat
• Muzaffarabad (AK)
• D. G. Khan

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 • Haripur
• Wah Cantt
• Sheikhupura

COMMERCIAL CENTRES

• Karachi - Cloth Market

• Karachi - Jodia Bazar
• Karachi – Napier
• Karachi – RAMBHARTI
• Karachi - Tariq Road
• Karachi – Nursery
• Karachi – Saddar
• Karachi - S.D.V.SUB-CENTER
• Karachi – Iddgah
• Lahore - Gulberg Main Market
• Lahore – Mall
• Lahore - Trust Plaza
• Lahore - Panorama Centre
• Lahore – LDA
• Lahore - Badami Bagh
• Sialkot - M.F. Ellahi Building
• Faisalabad - Circular Road
• Faisalabad - D'ground Peoples Colony

CORPORTAE CENTRES

• Habib Bank Plaza, I.I. Chundrigar Road, Karachi.

• Habib Bank Centre, 102-103 Upper Mall, Lahore
• Habib Bank Tower, Blue Area, Islamabad
• Habib Bank Centre, Mezzanine Floor, Circular Road, Faisalabad
• Al-Sultan, Old Bahawalpur Road, Multan
• Airport Hotel, Karachi Airport, Karachi
• Bin Qasim, Karachi-75000
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 • 29, Kashmir Road (1st Floor) Rawalpindi Cantt.
• Post Office, Attock Refinery Ltd., Morgah, Rawalpindi

OVERSEAS NETWORK

AMERICA:

• HABIB BANK LTD. Suite 535 60 East 42nd Street NEW

YORK,NY 10165

AFRICA:

• HABIB BANK LTD. P.O. BOX 49501 KIMATHI STREET, NAIROBI

KENYA
• HABIB BANK LTD. P.O. BOX 505 6 SIR WILLIAM NEWTON
STREET Port Louis, MAURATIUS
• HABIB BANK LTD. QASR STREET P.O.BOX 8246 KHARTOUM,
SUDAN
• SHEHU MUSA YAR’ADUA HOUSE 7-9 BANK ROAD PMB 2180
KADUNA-NIGERIA.

EUROPE:

• HABIB BANK LTD. (REGIONAL OFFICE,CONTINENTAL EUROPE

& BEIRUT, LEBANON) 19, RUE-DE-LA-LOI 1040- BRUSSELS,
BELGIUM
• HABIB BANK LTD.125, AVENUE DES CHAMPSELYSEES, 75008,
PARIS- FRANCE
• HABIB BANK LTD. 1ST FLOOR, FADALLAH CENTRE EL-CHIAH
BLVD P.O.BOX 11-5616 BEIRUT, LEBANON
• HABIB BANK LTD. WESTBLAAK 127
3012 KJ ROTTERDAM THE NETHERLANDS
• HABIB BANK LTD. ABIDE-HURRIYET CADDESI GECIT SOKAK
NO.12 P.O.BOX NO.8 SISLI (80222) ISTANBUL

ASIA-PACIFIC:

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 • HABIB FINANCE (AUSTRALIA) LTD LEVEL 5. THE LAND MARK
BLDG. 345 GEORGE STREET G.P.O. BOX 4053 SYDNEY NSW
2000, AUSTRALIA
• HABIB BANK LTD. 53,MOTIJHEEL COMMERCIAL AREA
P.O.BOX 201, DHAKA-BANGLADESH
• HABIB BANK LTD. 1017, 1018, LALDIGHI EAST P.O.BOX 222
CHITTAGONG
• HABIB BANK LIMITED LEVEL 3,140-142, SECOND ROSS
STREET COLOMBO II SRI LANKA
• 140-142, 2ND CROSS STREET COLOMBO II SRI LANKA
• HABIB BANK LTD. NO.3, PHILLIP STREET # 01-03 COMMERCE
POINT SINGAPORE
• HABIB FINANCE INTERNATIONAL LTD., 9TH FLOOR, V. HEUN
BLDG. 138,QUEENS ROAD CENTRAL G.P.O. BOX 11282, HONG
KONG
• KARAMCHARIA SANNCHARYA KOSH BUILDING TRIDEVI
MARGTHAMEL, GPO BOX 20590 KTM KATHMANDU-NEPAL

MIDDLE EAST:

• EVP & RGM HABIB BANK LIMITEDREGIONAL OFFICE P.O.BOX

566MANAMA-BAHRAIN
• HABIB BANK LTD.P.O.BOX 221661078 AVENUE, 10, BLOCK
215 MUHARRAQ, BAHRAIN
• SVP & COUNTRY MANAGER HABIB BANK LIMITED REGIONAL
OFFICE QURRUM HOUSE NEW MBD AREA (SOUTH) P.O.BOX
1326, P.C. 112 RUWI SULTANATE OF OMAN
• HABIB BANK LTD. P.O.BOX 12508 DHAID SHARJAH
• HABIB BANK LTD. CORNICHE ROAD P.O.BOX 897 ABU DHABI
• HABIB BANK LTDAL KALANTAR TOWER SHEIKH ZAYED ROAD
P.O.BOX 27321 DUBAI
• KOYE NASR (GEESHA) BUILDING NO.170/4 2ND FLOOR P.O.
BOX 14395-739 TEHRAN-IRAN

REFERENCES:

• Financial report 2003

• Habib bank website

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No. Title Page #
1. INTRODUCTION 1
2. VALUES 2
3. BUSINESS GROUPS 2
4. SUPPORT GROUPS 2
5. COMMERCIAL BANKING 5
6. CORPORATE BANKING 5
7. INVESTMENT BANKING 6
8. RETAIL BANKING 6
9. PRODUCTS AND SERVICES 6
10. TREASURY 14
11. HUMAN RESOURCES 15
12. HABIB BANK NETOWRK 16
13. REDERENCES 19

Title of Contents

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